Honda Clarity Car Insurance Cost 2025
On average, insuring a Honda Clarity costs $2,847 per year. However, actual costs may vary depending on factors such as your age, location, driving history, and the car’s model year. To get a better idea of your specific insurance costs, refer to the quote tables provided below.
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The average annual cost to insure a Honda Clarity is approximately $2,847, translating to about $237 per month. This rate is influenced by various factors, including the driver’s age, location, driving history, and the specific model and trim of the Clarity.
For instance, higher trims or models with advanced features may incur higher premiums due to increased repair costs and performance capabilities. Conversely, models with advanced safety features may qualify for discounts.
It’s advisable for drivers to compare quotes from multiple insurance providers to find the most competitive rates tailored to their individual profiles.
How Much Does Honda Clarity Car Insurance Cost?
Typically, Honda Clarity drivers can secure car insurance at an average cost of $2,847 per year. However, individual rates may vary depending on personal factors such as driving history, location, and the specific coverage selected.
The cost of car insurance can vary significantly based on several factors, including your location, driving history, the model year of your car, and the specific coverage options you choose. Maintaining a clean driving record can lead to lower premiums, while a history of accidents or traffic violations may increase your costs. Additionally, living in an urban area with heavy traffic may result in higher insurance rates compared to residing in a rural area with less congestion. The type of coverage you select also impacts your premium—comprehensive insurance, which includes collision and comprehensive coverage, typically costs more than minimum liability coverage.
As illustrated in the table below, the insurance cost for a Honda Clarity is higher than the average for all Honda models and more expensive than the average cost for all cars. To help you find the most competitive rates, Insuranceopedia offers tools to compare quotes from various auto insurance companies.
| Vehicle | Average Monthly Premium |
| Honda Clarity | $199 |
| All Honda | $167 |
| All Cars | $175 |
Average Insurance Cost Of Honda Clarity By Model Year
| Model Year | Average Premium |
| 2025 Honda Clarity | $3,541 |
| 2022 Honda Clarity | $3,941 |
| 2021 Honda Clarity | $1,682 |
| 2020 Honda Clarity | $554 |
| 2019 Honda Clarity | $1,235 |
| 2018 Honda Clarity | $940 |
| 2017 Honda Clarity | $1,344 |
2025 Honda Clarity Insurance Rates
The average annual insurance cost for a 2025 Honda Clarity XL is $3,541. However, Lemonade offers the cheapest rates, averaging $1,260 per year.
| Insurance Provider | Average Annual Cost |
| Lemonade | $1,260 |
| Unitrin | $1,290 |
| Metropolitan | $1,376 |
| Allstate | $3,370 |
| USAA | $3,930 |
| National Farmers | $4,232 |
| Farmers | $4,509 |
| State Farm | $4,659 |
| Travelers | $4,898 |
| Erie | $5,885 |
2022 Honda Clarity Insurance Rates
The average annual insurance cost for a 2022 Honda Clarity XL is $3,941. However, Unitrin offers the cheapest rates, averaging $1,258 per year.
| Insurance Provider | Average Annual Cost |
| Unitrin | $1,258 |
| Nationwide | $5,334 |
| Farmers | $4,484 |
| State Farm | $4,635 |
| Travelers | $4,928 |
| National Farmers Union P | $4,196 |
| USAA | $3,977 |
| Erie | $5,913 |
| Metropolitan | $1,344 |
| Allstate | $3,340 |
2021 Honda Clarity Insurance Rates
The average annual insurance cost for a 2021 Honda Clarity XL is $1,682. However, National General offers the cheapest rates, averaging $511 per year.
| Insurance Provider | Average Annual Cost |
| USAA | $2,428 |
| Republic Indemnity | $2,229 |
| Texas Farm Bureau Group | $1,026 |
| National General | $511 |
| Southern Farm Bureau | $1,939 |
| Plymouth Rock | $2,404 |
| California Capital | $2,227 |
| Mercury | $2,330 |
| Direct Auto | $525 |
| American National P | $1,198 |
2020 Honda Clarity Insurance Rates
The average annual insurance cost for a 2020 Honda Clarity XL is $554. However, Pure Companies Grp offers the cheapest rates, averaging $434 per year.
| Insurance Provider | Average Annual Cost |
| Safety Group | $561 |
| Norfolk and Dedham Group | $562 |
| Vermont Mutual | $622 |
| Preferred Mutual | $446 |
| National General | $386 |
| Quincy Mutual | $630 |
| Pure Companies Grp | $434 |
| ACE American Pool | $500 |
| National Grange Mutual | $748 |
| Hanover | $654 |
Find Affordable Honda Clarity Insurance Rates
2019 Honda Clarity Insurance Rates
The average annual insurance cost for a 2019 Honda Clarity XL is $1,235. However, Hastings Mutual Insurance Co offers the cheapest rates, averaging $689 per year.
| Insurance Provider | Average Annual Cost |
| Penn National | $1,262 |
| Atlantic States Insurance | $1,725 |
| Country | $1,378 |
| Hastings Mutual Insurance Co | $689 |
| Texas Farm Bureau Group | $985 |
| Tennessee Farmers | $1,204 |
| Safeco | $842 |
| Buckeye Insurance Group | $1,353 |
| Erie | $1,239 |
| Grange Mutual | $1,673 |
2018 Honda Clarity Insurance Rates
The average annual insurance cost for a 2018 Honda Clarity XL is $1,235. However, Hastings Mutual Insurance Co offers the cheapest rates, averaging $940 per year.
| Insurance Provider | Average Annual Cost |
| New York Central Mutual Fire | $758 |
| Texas Farm Bureau Group | $1,222 |
| Direct Auto | $880 |
| North Carolina Farm Bureau | $1,402 |
| Clearcover | $1,154 |
| Pure Companies Grp | $378 |
| Utica National Ins Group | $1,305 |
| Capital Insurance Group | $1,342 |
| Safeco | $578 |
| National General | $376 |
2017 Honda Clarity Insurance Rates
The average annual insurance cost for a 2017 Honda Clarity XL is $1,344. However, Hastings Mutual Insurance Co offers the cheapest rates, averaging $940 per year.
| Insurance Provider | Average Annual Cost |
| Unitrin | $1,448 |
| Direct Auto | $879 |
| USAA | $1,764 |
| Penn National | $823 |
| Mercury | $1,297 |
| Country | $1,417 |
| Virginia Farm Bureau | $1,517 |
| California Capital | $1,702 |
| Donegal Mutual Insurance Co | $1,272 |
| Auto-Owners Insurance Co | $1,323 |
Find Affordable Honda Clarity Insurance Rates
Are Honda Claritys Expensive To Insure?
The Honda Clarity is generally more expensive to insure compared to other vehicles in its class. On average, annual insurance premiums for the Clarity hover around $2,847, equating to approximately $237 per month. This higher cost is influenced by factors such as the vehicle’s advanced technology, repair costs, and its classification as a plug-in hybrid or fuel cell vehicle. Additionally, insurance rates can vary based on the driver’s age, location, driving history, and the specific model and trim of the Clarity. While the Clarity offers environmental benefits and advanced features, prospective owners should be prepared for the associated insurance expenses.
Cost of Honda Clarity Car Insurance By Age
Age is a key factor in determining car insurance rates for any vehicle. Teen drivers generally face the highest premiums due to their higher likelihood of being involved in accidents. As drivers age and gain experience, their premiums typically decrease, reflecting a lower risk profile. This trend continues until about middle age, after which rates may stabilize or slightly increase for older drivers.
| Driver Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $9,574 | $14,141 | $16,456 |
| 18 | $8,912 | $13,130 | $15,389 |
| 19 | $7,953 | $11,569 | $13,596 |
| 20 | $6,894 | $10,091 | $11,843 |
| 21 | $5,746 | $8,488 | $9,944 |
| 22 | $5,682 | $8,278 | $9,662 |
| 23 | $4,926 | $7,190 | $8,432 |
| 24 | $4,686 | $6,890 | $8,053 |
| 25 | $4,017 | $5,893 | $6,926 |
| 30 | $3,170 | $4,670 | $5,412 |
| 35 | $2,976 | $4,347 | $5,100 |
| 40 | $2,821 | $4,190 | $4,901 |
| 45 | $2,739 | $4,063 | $4,753 |
| 55 | $2,509 | $3,720 | $4,324 |
| 65 | $2,664 | $3,852 | $4,555 |
| $3,363 | $3,363 | $4,862 | $5,738 |
Honda Clarity Car Insurance Rates By State
Your location significantly impacts how insurance companies determine rates. Each state has its own auto insurance regulations, which influence the required coverage and premium costs. For instance, Michigan drivers often face higher premiums due to state laws mandating more extensive coverage. Additionally, local climates can affect rates—states prone to extreme weather like hurricanes, storms, or flooding may see higher insurance costs. Crime and accident statistics in your area, such as rates of car thefts, crashes, and vehicle fatalities, also play a crucial role in determining your Honda Clarity insurance premium. Insurers factor in all these elements to calculate your specific rate.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $3,025 | $4,324 | $5,507 |
| Alaska | $2,447 | $3,430 | $3,334 |
| Arizona | $2,850 | $4,100 | $5,989 |
| Arkansas | $3,051 | $4,805 | $5,353 |
| California | $3,464 | $6,099 | $3,425 |
| Colorado | $3,154 | $4,437 | $5,678 |
| Connecticut | $4,097 | $6,313 | $8,031 |
| Delaware | $3,343 | $4,521 | $5,785 |
| Florida | $3,996 | $5,613 | $7,238 |
| Georgia | $3,311 | $4,920 | $4,922 |
| Hawaii | $1,309 | $1,781 | $1,333 |
| Idaho | $2,287 | $3,038 | $3,645 |
| Illinois | $2,362 | $3,623 | $4,136 |
| Indiana | $2,469 | $3,769 | $4,203 |
| Iowa | $1,906 | $2,666 | $3,160 |
| Kansas | $2,595 | $3,771 | $4,372 |
| Kentucky | $3,693 | $5,474 | $6,499 |
| Louisiana | $4,829 | $7,235 | $7,906 |
| Maine | $1,822 | $2,469 | $3,682 |
| Maryland | $2,938 | $4,243 | $4,724 |
| Massachusetts | $2,354 | $4,068 | $2,309 |
| Michigan | $5,639 | $8,696 | $13,670 |
| Minnesota | $2,290 | $3,158 | $4,383 |
| Mississippi | $2,781 | $3,985 | $4,025 |
| Missouri | $2,654 | $3,847 | $4,975 |
| Montana | $2,743 | $3,783 | $4,355 |
| Nebraska | $2,310 | $3,420 | $3,702 |
| Nevada | $3,755 | $5,616 | $5,887 |
| New Hampshire | $2,610 | $4,129 | $5,276 |
| New Jersey | $2,847 | $4,489 | $5,963 |
| New Mexico | $2,937 | $4,356 | $4,532 |
| New York | $2,712 | $3,399 | $5,765 |
| North Carolina | $1,724 | $2,912 | $2,113 |
| North Dakota | $2,268 | $3,570 | $4,144 |
| Ohio | $2,101 | $3,179 | $3,278 |
| Oklahoma | $3,320 | $4,739 | $5,284 |
| Oregon | $2,972 | $4,024 | $4,846 |
| Pennsylvania | $2,575 | $3,666 | $4,378 |
| Rhode Island | $4,250 | $6,199 | $6,937 |
| South Carolina | $2,911 | $3,949 | $5,448 |
| South Dakota | $2,618 | $3,688 | $4,307 |
| Tennessee | $3,008 | $4,426 | $5,930 |
| Texas | $3,080 | $4,409 | $5,433 |
| Utah | $2,579 | $3,639 | $4,995 |
| Vermont | $2,045 | $3,116 | $3,272 |
| Virginia | $1,893 | $2,890 | $2,807 |
| Washington | $2,504 | $3,406 | $4,002 |
| West Virginia | $2,517 | $3,605 | $4,519 |
| Wisconsin | $2,467 | $3,940 | $4,477 |
| Wyoming | $2,285 | $3,213 | $3,493 |
Find Affordable Honda Clarity Insurance Rates
Cheapest Car Insurance Companies For A Honda Clarity
Unitrin offers the most competitive rate at approximately $1,260 annually, equating to about $105 monthly. Metropolitan follows with an estimated annual premium of $1,291, or $107 per month. Allstate provides coverage at approximately $3,370 annually, translating to $280 monthly. USAA’s rates are around $3,930 per year, or $327 per month. Erie rounds out the list with an estimated annual premium of $5,885, equating to $490 monthly.
| Insurance Company | Average Monthly |
| Unitrin | $105 |
| Metropolitan | $107 |
| Allstate | $280 |
| USAA | $328 |
| Erie | $490 |
Common Honda Clarity Insurance Discounts
Discounts are an effective way to reduce your car insurance costs. Most auto insurance providers offer various discounts, and you may be eligible for some of the common ones:
- Multi-policy discount: Bundling your home and auto insurance with the same provider can often result in a reduced premium.
- Annual payment discount: Paying your premium in full rather than in monthly installments can save you money.
- Defensive driving discount: Completing a certified defensive driving course can make you eligible for lower rates.
Additionally, there may be other discounts specific to your insurance provider. To maximize your savings, consult your insurance agent, who can help identify the discounts you qualify for.
Ways To Save On Honda Clarity Insurance Costs
Maintaining a clean driving record is key to keeping Honda Clarity insurance costs low, as incidents like speeding tickets or accidents can significantly raise premiums. For instance, Honda Clarity drivers with a ticket on their record may pay about $79 per month, while those with multiple accidents might pay an average of $69 per month.
Low annual mileage can also help reduce insurance costs since drivers on the road less frequently are considered lower risk. Honda Clarity owners driving between 2,501 and 5,000 miles annually can expect to pay around $95 per month for car insurance, whereas those who drive over 10,000 miles annually may pay approximately $98 per month.
Compare Honda Clarity To Other Honda Models
Looking for other Honda model insurance costs?
Our Methodology
To determine average car insurance costs, Insuranceopedia analyzed thousands of quotes from top auto insurance providers. The sample profile used was for a 40-year-old male driver purchasing full-coverage car insurance with the following coverage limits: $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. It’s important to note that these figures may differ from your personal results due to individual factors.
Quotes Analyzed
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FAQs
Do You Need Insurance Before You Can Purchase A Honda Clarity?
Yes, you will need to show proof of insurance before you can drive your Honda Clarity off the dealership lot. The best approach is to purchase a policy beforehand and inform your insurance company that you plan to buy the car. This way, you’ll have coverage in place as soon as you take possession of the vehicle, instead of relying on the dealership’s insurance.
How Can You Get The Cheapest Insurance For Your Honda Clarity?
The best way to find the most affordable rates for your Honda Clarity is to shop around and compare quotes from different auto insurance companies. Fortunately, Insuranceopedia makes this easy by allowing you to compare quotes from multiple providers directly on our website, helping you find the best deal for your needs.
